I'm not a dunker but I was peckish after making my coffee and we only had oatcakes with a chocolate flavour. A rough oatcake just like the savoury ones you might have with cheese but slightly sweet due to the chocolate. I don't really like them but I eat them when there's nothing. I got one then looked at my coffee and had a wicked idea. To dunk. Turns out I really like the dry, oaty chocolate taste and textures with coffee. Plus they don't get soggy at all.
I'm not a dunker or a tea drinker but chocolate oatcakes in coffee is a good idea IMHO.